Fromme Insurance Services

11/04/2026

LOST IN YOUR OWN SERVICE AREA.

That's what's happening to 3-5 MILLION people right now.

You didn't lose Medicare. You lost YOUR plan — in YOUR zip code.

And the replacement isn't the same:

❌ Was PPO (go anywhere) → Now HMO (stay in the BOX)
❌ Your favorite specialist? Might be OUT now
❌ Your hospital? Might be OUT now
❌ Your $0 premium stayed $0 — but your copays didn't

Review your co-payments, co-insurance, deductibles, out-of-pocket maximums. It's very detailed. But it's IMPORTANT if you're on Advantage.

Because January 1st is too late to find out your doctor is out-of-network.

🎙 Ask the Medicare Experts | W4CY Radio

HERE'S A LINK — QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
https://www.frommeinsuranceservices.com/medicareexpert-page
📞 877-801-4440

Comment LOST 👇 We check if your plan is one of the 3-5M and if your doctors survive the switch.

11/03/2026

"Sell You, Hang Up, NEXT FAMILY."

That’s their business model.

Not help you. Not check if your doctor is still in. Just — sell you a plan, get you off the phone, move on.

You need to be CAREFUL.

You want an INDEPENDENT agent — licensed — who can show you ALL the plans in YOUR service area.

Not 1 company. 19.

That call center? 1 company. 1 script.
Stephen? 19 carriers. 1 hour with you. Lifetime advisor.

How many companies does your agent represent?

If the answer isn’t 19 — you’re not getting choices. You’re getting sold.

🎙 Ask the Medicare Experts | W4CY Radio

HERE'S A LINK — QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
https://www.frommeinsuranceservices.com/medicareexpert-page
📞 877-801-4440

11/02/2026

Billions in Unclaimed Life Insurance: Could Your Family Be Owed Money?

Maria was sorting through her late father's desk when she found an old envelope tucked beneath a stack of tax returns. Inside was a faded statement from an insurance company she had never heard of.

11/01/2026

The $1,000 Grocery Scam

ROBOCALL: "You're Not Getting $1,000 For Groceries?!"

IT'S A TRAP.

"Oh, you should be getting $1,000 a month in groceries — you're not getting that?!"

It is EXTREMELY misleading what these carriers are doing. Yes, there IS a food card — but it's ONLY if you are eligible. Most of you DON'T qualify.

They use "food card" because they know you're worried about food prices. It's bait.

And if you say "YES" to "Can you hear me?" — they record it as a YES to enroll you.

DO THIS:

Don't say YES — Say "Who is this?"
Your REAL plan sends LETTERS, not robots
Got that call? You’re 1 of millions.

🎙 Ask the Medicare Experts | W4CY Radio

HERE'S A LINK — QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
https://www.frommeinsuranceservices.com/medicareexpert-page
📞 877-801-4440

Comment SCAM — I’ll tell you if you REALLY qualify for that food card or if it’s BS.

10/29/2026

STILL $0 PREMIUM... But Now $20 Just To See Your Doctor?

You read that right.

Your plan didn't leave. Premium is still zero. So you think you're fine.

You're not.

"Wait — my primary was $5 last year. Now it's $20 for my specialist?!"

Yeah. It changed. On that ANOC letter you didn't read.

Same $0 premium. New price tag:

❌ Primary: $5 → $20
❌ Specialist: $5 → $20 / $45
❌ Hospital: $250/day → $500/day x 7 DAYS = $3,500

They didn't raise your premium. They raised everything ELSE.

They call it "lesser benefits."

And it's in your mailbox right now.

Stop guessing. Here's a link. Talk to Stephen — it's FREE.: https://www.frommeinsuranceservices.com/medicareexpert-page
QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN.

🎙 Ask The Medicare Experts | W4CY Radio & Talk 4 TV
Live 3x a month — www.AskTheMedicareExperts.com
Host: Steve O | Expert: Stephen Fromme

10/28/2026

Your Medicare Advantage Plan Is GONE? You Might Get Medigap With NO Health Questions Asked.

Read that again.

If your Advantage plan leaves your county and there are NO other Advantage plans in your area — you can get a Medicare Supplement plan WITHOUT underwriting.

No health questions. No medical exam. Guaranteed Issue.

Most agents don't even know this rule.

That's why that SEP — Special Election Period — matters.

And that's why your ANOC matters.

Did you get a letter saying "Your plan is leaving"? Don't panic. Don't trash it. BRING IT TO US.

We read the pages for you and tell you in minutes if you qualify for Medigap with NO underwriting.

QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
Here's a link: https://www.frommeinsuranceservices.com/medicareexpert-page

🎙 Ask The Medicare Experts | W4CY Radio & Talk 4 TV
Live 3x a month — www.AskTheMedicareExperts.com
Host: Steve O | Expert: Stephen Fromme

10/26/2026

This is not a 5-minute order-taker call.

This is a 1-hour education + clarity call. We go deep on Original Medicare vs. Advantage vs. Medigap, Part D, HSA warnings, credible coverage, and what YOUR situation actually needs.

Turning 65 in the next 6 months? Don’t wait until your birthday month.

QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
Here's a link: https://www.frommeinsuranceservices.com/medicareexpert-page

🎙 Ask The Medicare Experts | W4CY Radio & Talk 4 TV
Live 3x a month — www.AskTheMedicareExperts.com
Host: Steve O | Expert: Stephen Fromme

10/26/2026

The Medicaid Cliff: How a Small Raise Can Cost You Thousands in Coverage

A raise should always feel like good news. For some households, though, earning just a little more can end Medicaid eligibility and replace it with premiums, deductibles, and copays.

10/19/2026

Playing the Odds on Your Paycheck: Why disability is a far safer bet than most people think

Walk into any Las Vegas sportsbook and you will not find the bookmaker guessing. He studies the numbers, sets the line, and then hedges his bets so that no single outcome can sink the house.

10/14/2026

Don’t Toss This Medicare Letter

But that boring letter might say:

"We are no longer offering this plan in your service area."

Translation? Your Medicare plan is LEAVING your county.

And if you were in a PPO that let you go in and out of network — your county might now only have an HMO.

Different network. Different rules. Different costs.

Before you toss that letter, ask:

Are my doctors STILL in network?
Are my prescriptions STILL covered?
Are my dental / vision / hearing benefits STILL the same?
Most people throw it away. Then find out in January at the doctor's office. Too late.

Don't be that person. Bring us the letter. We read the fine print for you.

Comment LETTER — send me a photo of it and I'll tell you what it really means for FREE.

🎙 Ask the Medicare Experts | W4CY Radio

HERE'S A LINK —
QUESTIONS DON'T COST ANYTHING. A WRONG MEDICARE DECISION CAN. Talk to Stephen — it's FREE.
https://www.frommeinsuranceservices.com/medicareexpert-page